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New York CD Rates – 5 Year

Below are 5 year CD Rates from banks that are located in New York. Five Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

NY - October 20, 2014
5 Year CD National Average : 1.13% ?
Bank APY Min Bal Miles ? More
Flushing Bank 2.05% $1,000 - +Learn More
Elmira Savings Bank 2.00% $2,500 - +Learn More
Geddes Federal Savings And Loan Association 2.00% $500 - +Learn More
Bank Of Utica 2.00% $500 - +Learn More
Northfield Bank 2.00% $2,500 - +Learn More
Evans Bank, National Association 2.00% $500 - +Learn More
First American International Bank 1.90% $100,000 - +Learn More
Kearny Federal Savings Bank 1.90% $2,500 - +Learn More
The Bridgehampton National Bank 1.82% $2,500 - +Learn More
Empire State Bank 1.80% $1,000 - +Learn More
First American International Bank 1.80% $500 - +Learn More
The Westchester Bank 1.76% $1,000 - +Learn More
The Delaware National Bank Of Delhi 1.76% $100 - +Learn More
Country Bank 1.75% $1,000 - +Learn More
First American International Bank 1.75% $50,000 - +Learn More
Rondout Savings Bank 1.75% $500 - +Learn More
Customers Bank 1.75% $500 - +Learn More
Emigrant Bank 1.75% $1,000 - +Learn More
Indus American Bank 1.75% $2,000 - +Learn More
Solvay Bank 1.75% $500 - +Learn More
First Niagara Bank, National Association 1.75% $500 - +Learn More
Ponce De Leon Federal Bank 1.75% $1,000 - +Learn More
The Dime Svgs. Bank Of Williamsburgh 1.75% $500 - +Learn More
First Citizens Community Bank 1.66% $100,000 - +Learn More
Valley National Bank 1.65% $500 - +Learn More
Usny Bank 1.65% $1,000 - +Learn More
Wallkill Valley Federal Savings And Loan Association 1.63% $2,500 - +Learn More
Industrial And Commercial Bank Of China (usa), National Association 1.61% $100,000 - +Learn More
Northeast Community Bank 1.61% $500 - +Learn More
Savannah Bank National Association 1.60% $1,000 - +Learn More
The Lyons National Bank 1.60% $500 - +Learn More
Rhinebeck Bank 1.60% $10,000 - +Learn More
Eastbank, National Association 1.60% $2,500 - +Learn More
Ulster Savings Bank 1.55% $500 - +Learn More
Five Star Bank 1.55% $10,000 - +Learn More
First Niagara Bank, National Association 1.55% $500 - +Learn More
The Putnam County National Bank Of Carmel 1.53% $1,000 - +Learn More
Spring Bank 1.51% $1 - +Learn More
The Oneida Savings Bank 1.51% $10,000 - +Learn More
Citizens & Northern Bank 1.51% $100,000 - +Learn More
Industrial And Commercial Bank Of China (usa), National Association 1.51% $2,500 - +Learn More
First Central Savings Bank 1.50% $500 - +Learn More
Trustco Bank 1.50% $1 - +Learn More
Ridgewood Savings Bank 1.50% $500 - +Learn More
Carthage Federal Savings And Loan Association 1.50% $500 - +Learn More
Amalgamated Bank 1.50% $500 - +Learn More
Greater Hudson Bank, National Association 1.50% $500 - +Learn More
Astoria Bank 1.50% $500 - +Learn More
Nbt Bank, National Association 1.50% $1,000 - +Learn More
The Bank Of Greene County 1.50% $1,000 - +Learn More
First Citizens Community Bank 1.46% $10,000 - +Learn More
Alma Bank 1.46% $2,500 - +Learn More
Walden Savings Bank 1.45% $1,000 - +Learn More
Hudson City Savings Bank 1.45% $500 - +Learn More
Riverside Bank 1.41% $1,000 - +Learn More
Asia Bank, National Association 1.41% $1,000 - +Learn More
Cross County Savings Bank 1.40% $500 - +Learn More
Putnam County Savings Bank 1.40% $500 - +Learn More
Medina Savings And Loan Association 1.40% $1,000 - +Learn More
City National Bank Of New Jersey 1.40% $500 - +Learn More
Savoy Bank 1.40% $2,000 - +Learn More
Catskill Hudson Bank 1.35% $1,000 - +Learn More
Seneca Federal Savings And Loan Association 1.35% $500 - +Learn More
Mahopac Bank 1.35% $1,000 - +Learn More
Manufacturers And Traders Trust Company 1.31% $1 - +Learn More
Citizens & Northern Bank 1.31% $10,000 - +Learn More
Empire State Bank 1.30% $1,000 - +Learn More
Bnb Hana Bank, National Association 1.26% $500 - +Learn More
Quontic Bank 1.26% $1,000 - +Learn More
Woori America Bank 1.25% $1,000 - +Learn More
Webster Bank, National Association 1.25% $2,500 - +Learn More
Hometown Bank Of The Hudson Valley 1.25% $1,000 - +Learn More
Lake Shore Savings Bank 1.25% $500 - +Learn More
Cms Bank 1.25% $500 - +Learn More
Apple Bank For Savings 1.25% $1,000 - +Learn More
Generations Bank 1.20% $500 - +Learn More
Watertown Savings Bank 1.17% $500 - +Learn More
Amerasia Bank 1.17% $2,500 - +Learn More
Manufacturers And Traders Trust Company 1.16% $1 - +Learn More
Intervest National Bank 1.16% $2,500 - +Learn More
Pioneer Savings Bank 1.15% $500 - +Learn More
Berkshire Bank 1.15% $1,000 - +Learn More
East West Bank 1.15% $10,000 - +Learn More
Manufacturers And Traders Trust Company 1.11% $1 - +Learn More
Ctbc Bank Corp. (usa) 1.11% $1,500 - +Learn More
The First National Bank Of Groton 1.11% $100,000 - +Learn More
Tioga State Bank 1.10% $1,000 - +Learn More
Bank Of Akron 1.10% $500 - +Learn More
Salisbury Bank And Trust Company 1.10% $1,000 - +Learn More
Banco Popular North America 1.10% $10,000 - +Learn More
Jeff Bank 1.10% $100,000 - +Learn More
Berkshire Bank 1.05% $1,000 - +Learn More
The North Country Savings Bank 1.05% $500 - +Learn More
Maple City Savings Bank, Fsb 1.02% $1,000 - +Learn More
New York Community Bank 1.01% $500 - +Learn More
The First National Bank Of Groton 1.01% $1,000 - +Learn More
Investors Bank 1.00% $500 - +Learn More
Sussexbank 1.00% $1,000 - +Learn More
Cathay Bank 1.00% $100,000 - +Learn More
Saratoga National Bank And Trust 1.00% $1,000 - +Learn More
Glens Falls National Bank And Trust Company 1.00% $2,000 - +Learn More
The National Bank Of Delaware County 1.00% $500 - +Learn More
First Trade Union Bank 1.00% $500 - +Learn More
Tompkins Trust Company 1.00% $1,000 - +Learn More
Pathfinder Bank 1.00% $1,000 - +Learn More
Peoples Security Bank And Trust Company 1.00% $1,000 - +Learn More
Jeff Bank 1.00% $1,000 - +Learn More
The Bank Of Castile 1.00% $1,000 - +Learn More
Carver Federal Savings Bank 1.00% $1,000 - +Learn More
Mercantil Commercebank, National Association 0.95% $10,000 - +Learn More
Abacus Federal Savings Bank 0.95% $1,000 - +Learn More
Bank Of Millbrook 0.90% $2,500 - +Learn More
Gibraltar Private Bank & Trust Co. 0.90% $1,000 - +Learn More
Victory State Bank 0.90% $500 - +Learn More
Cathay Bank 0.90% $2,500 - +Learn More
The Suffolk County National Bank Of Riverhead 0.90% $1,000 - +Learn More
Manufacturers And Traders Trust Company 0.90% $1,000 - +Learn More
Chemung Canal Trust Company 0.90% $1,000 - +Learn More
New York Commercial Bank 0.90% $500 - +Learn More
People's United Bank 0.90% $2,500 - +Learn More
New York Community Bank 0.90% $500 - +Learn More
Community Bank, National Association 0.85% $100,000 - +Learn More
Td Bank, National Association 0.85% $250 - +Learn More
Community Bank, National Association 0.80% $1,000 - +Learn More
Hanmi Bank 0.80% $1,000 - +Learn More
Elmira Savings Bank 0.80% $10,000 - +Learn More
Adirondack Bank 0.80% $1,000 - +Learn More
First National Bank Of Scotia 0.75% $500 - +Learn More
Fairport Savings Bank 0.75% $500 - +Learn More
Genesee Regional Bank 0.75% $500 - +Learn More
Northwest Savings Bank 0.75% $500 - +Learn More
Woodforest National Bank 0.75% $500 - +Learn More
Capital One, National Association 0.60% $1,000 - +Learn More
Ballston Spa National Bank 0.60% $500 - +Learn More
Manufacturers And Traders Trust Company 0.55% $1,000 - +Learn More
Manufacturers And Traders Trust Company 0.55% $1,000 - +Learn More
Sterling National Bank 0.50% $2,500 - +Learn More
Citibank, National Association 0.50% $10,000 - +Learn More
Patriot National Bank 0.50% $500 - +Learn More
Hudson Valley Bank, National Association 0.50% $1,000 - +Learn More
Trustco Bank 0.45% $500 - +Learn More
Santander Bank, N.a. 0.40% $500 - +Learn More
Sussexbank 0.40% $1,000 - +Learn More
First Niagara Bank, National Association 0.40% $500 - +Learn More
City National Bank 0.40% $2,500 - +Learn More
Wells Fargo Bank, National Association 0.35% $10,000 - +Learn More
Keybank National Association 0.35% $100,000 - +Learn More
Santander Bank, N.a. 0.30% $10,000 - +Learn More
Valley National Bank 0.30% $500 - +Learn More
Jpmorgan Chase Bank, National Association 0.25% $10,000 - +Learn More
Keybank National Association 0.25% $10,000 - +Learn More
Sterling National Bank 0.20% $100,000 - +Learn More
Hsbc Bank Usa, National Association 0.15% $1,000 - +Learn More
Bank Of America, National Association 0.15% $10,000 - +Learn More
Sawyer Savings Bank 0.15% $500 - +Learn More
Citizens Bank, National Association 0.10% $1,000 - +Learn More

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

Comments


mike, October 16, 2014


Bridgewater bank 5 year cd rate is 2.1% now.

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Charles Voytek, September 01, 2014


Rate Bank United Miami Florida 5years please

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Mike, July 23, 2014


Bank of the west does not offer a rate of 2% on 5 year term

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Sol, May 14, 2014


@Frank

Hi Frank, I called and First Choice Bank in NJ is offering a 2.5% APY CD with a platinum checking account. The checking account has an average daily balance requirement of $500. You can see if a First Choice Bank is near your location here:

http://www.bestcashcow.com/banks/first-choice-bank-branches-58471

They have branches in the Philadelphia area. Hope that helps.

Sol

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Frank Rutolo, May 07, 2014


First Choice Bank does not offer a 2.50% 5yr cd.
I called on 5/6/2014 and was told the rate is 2.05%
for 5 yrs.

Helpful? Yes:1 / No:4
Is this review helpful? Yes No

Bea, November 26, 2013


Please note that First Federal has just a one star rating on Bankrate. We have business with them and some months ago were sent a letter that another bank was supposed to take them over. It seems to have fallen through and I am concerned about First Fed's future. As soon as our CDs mature with them, I hope to find a more financially suitable bank or credit union to switch to. I don't like to do business with one star banks even if they are FDIC insured. When I first got with them they seemed to have much higher ratings.

Helpful? Yes:2 / No:1
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reader, November 23, 2013


first federal will do great cd rates at a $500 minimum balance ----such as a 5 year cd for 1.50 apy ----please inquire and update information

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Sol, August 25, 2013


@Bea

I checked their website and it looks like the rate may have dropped to 1.50% APY. I'll confirm tomorrow and then make the change. Thanks for the note.

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Bea, August 23, 2013


Citizens Federal Savings and Loan does not have a 1.80% 5 year CD. This seems to be incorrect. Thanks.

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